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Deposit Rates

Checking & Savings

  • Interest Rates and Annual Percentage yields are effective 11-31-2018.
  • The annual percentage yield may change after the account is opened
  • Fees could reduce the earnings on the account
Account Type Rate APY (Annual Percentage Yield) Minimum Balance to Obtain APY
Personal Regular Checking N/A N/A N/A
Basic Banking Account N/A N/A N/A
Senior Checking N/A N/A N/A
Student Checking N/A N/A N/A
Holiday Club Account .50% .50% $3.00
N.O.W Checking .10% .10% None
Statement Savings .15% .15% $100.00
Money Market Checking .20% .20% None
Super Money Market Checking      
$200,000 and up .40% .40% $200,000.00
$100,000 to $199,999.99 .30% .30% $100,000.00
$25,000 to $99,999.99 .30% .30% $25,000.00
$.01 to 24,999.99 .20% .20% $0.01
Business Regular Checking N/A N/A N/A
Small Business Checking N/A N/A N/A

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CDs & IRAs

Any Catskill Hudson Bank Certificate of Deposit account may be used as an IRA investment with a minimum opening deposit of $500.00.

  • Interest Rates and Annual Percentage Yields are effective 11-31-2018.
  • The interest rate will not change for term of the account.
  • The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
  • We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
  • A substantial penalty may be imposed for early withdrawal.
Term Rate APY (Annual Percentage Yield) Minimum Opening Deposit
3 Month CD .20% .20% $1,000.00
6 Month CD .25% .25% $1,000.00
12 Month CD .50% .50% $1,000.00
18 Month CD .75% .75% $1,000.00
24 Month CD .80% .80% $1,000.00
30 Month CD .85% .85% $1,000.00
36 Month CD .90% .90% $1,000.00
48 Month CD 1.40% 1.41% $1,000.00
60 Month CD 2.25% 2.28% $1,000.00

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Promotional Certificates of Deposit

 

  • The interest rate and APY will not change for the term of the account.
  • Interest begins to accrue on the day of deposit.
  • Interest is compounded daily and credited monthly.
  • The APY assumes interest will remain on deposit until maturity.
  •  You may not make additional deposits or withdrawals until the maturity date.
  • A penalty will be imposed for withdrawals in excess of interest earned when made before maturity.
  • Promotional CDs will automatically renew. You will have 10 calendar days after the maturity date to withdraw funds without penalty. *If you do not withdraw the funds, the 15 month CD will renew at the current 18 month rate and term; and the 42 month CD will renew at the current 48 month rate and term.
  • Interest can be transferred to another account, issued as a check or remain in the CD.
  • Account disclosures are available upon request.
  • Deposits are insured by the FDIC.
     
Term Rate APY (Annual Percentage Yield) Minimum Opening Deposit
15 Month CD 2.42% 2.45% $1000.00
42 Month CD 2.71% 2.75% $1000.00

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